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1、Tanyas Money ProblemA Reading AZ Level U Leveled BookWord Count:1,776Visit www.readinga- for thousands of books and materials.www.readinga-Tanyas Money ProblemWritten by Ned Jensen Illustrated by Arthur LinLEVELED BOOK U20Glossarybudget(n.)a plan for how to spend money for a set period of time(p.14)
2、debt(n.)something,usually money,that is owed to someone else(p.15)deposits(v.)places or puts into(p.5)dividends(n.)payments made from a companys profits to people who own stock in the company(p.7)incomes(n.)amounts of money received from work or other sources(p.4)interest(n.)money paid by a borrower
3、 for the use of loaned money(p.11)investments company stocks or properties (n.)bought to make a profit(p.6)loan(v.)to give something,often money,to someone who agrees to return or repay it after a certain amount of time(p.9)savings an arrangement,usually with a account(n.)bank,in which a person depo
4、sits money that often earns interest before being withdrawn(p.5)stock(n.)certificates,or shares,of ownership in a corporation(p.6)terms(n.)the rules or conditions that govern an agreement(p.13)value(n.)the worth of something(p.7)Written by Ned JensenIllustrated by Arthur LinTanyas Money Problemwww.r
5、eadinga-2019Write Your Own EndingYoure probably thinking Tanya has gotten herself into a real pickle.Well,youre right.What happened to Tanya is what often happens when people spend more money than they earn.If they continue spending more than they earn,they fall further and further into debt.Sometim
6、es things get a whole lot worse,and no matter how hard they try,they cant pay off their debt.Maybe you can help Tanya out.Think about what you would do if you were Tanya.Then write your own ending to this story.When you have finished,share your ending with others and compare solutions.Tanyas Money P
7、roblem Level UTanyas Money ProblemLevel U Leveled Book Learning AZWritten by Ned JensenIllustrated by Arthur LinAll rights reserved.www.readinga-CorrelationLEVEL UQ4040Fountas&PinnellReading RecoveryDRA193Tanya and Thad Fredrickson are twins.Most people think they look alike,but thats where the simi
8、larity ends.While Tanya is outgoing and has lots of friends,Thad is shy and has only a couple of good friends.Thad is a good student who works hard to get high grades.Tanya,on the other hand,is an average student who does just enough to get by.Like most kids,Tanya likes to buy things.Thad does,too,b
9、ut not nearly as much as his sister does.Tanyas Money Problem Level U“Thanks a lot,Dad,”says Tanya,disgusted.“Youre no help at all.”Tanya stomps off to her room and mopes for a while.She begins thinking about the choices her dad explained to her.She doesnt like any of them,but most of all she doesnt
10、 like the idea of giving up her phone.She thinks about whether she has other choices.As time passes,a feeling of panic begins to overcome Tanya.She knows she has to make a decision,but her mind is numb from so much thinking and worrying.What is she going to do?184Both Tanya and Thad earn money each
11、week by doing jobs around the house as well as for a couple of neighbors.At home,Thad washes windows,cleans up the table after dinner,sweeps the floor,and vacuums the carpets each week.Tanya washes dishes,mows the lawn,and takes out the trash.Thad also mows the lawn for two neighbors each week,while
12、 Tanya walks a neighbors dog every morning and evening.Their incomes are good;each of them earns an average of about$35 a week.Thad and Tanya like doing the work because they both love money!17“Hold on,Miss Big Spender.It seems to me as though youre the one whos breaking the deal by not keeping up w
13、ith the payments you agreed to make each week,”her dad says.“As I see it,you have two choices:you either have to make more money or spend less each week.”“Actually,there is a third choice.You could take out another loan to help pay for the first loan,but I wouldnt advise doing that.Youd just dig a d
14、eeper hole that youd have to climb out of.Oh yeah,and I guess theres a fourth choice,too:you could sell your phone and repay the loan.Although,remember that its now a used phone and wouldnt be worth the full$200 you paid for it.”“Sell my phoneare you crazy?”“Well,if you dont like that choice,which o
15、ther one do you prefer?”Tanyas Money Problem Level U5The money they earn pays for going to movies and buying things like snacks,books,magazines,and clothes.Thad spends money on video games,and Tanya buys music and clothes every week.The cash that Thad earns seems to be more than enough to take care
16、of his needs.He also seems to need a lot less stuff than Tanya does.Thad usually deposits about half the money he earns each week into a savings account.Tanyas Money Problem Level U16“Dad,we need to talk,”Tanya says with panic in her voice.“You know that Thad loaned me money to buy a smartphone,righ
17、t?”“Yes,dear,Im aware of the financial arrangement you have with your brother.”“Well,at the rate Im going,Ill owe him money for the rest of my life.Hes even threatening to confiscate my phone.Can you tell him to give me a break?He wont listen to me.Hes acting like a money-stashing squirrel!”“Now,wai
18、t a minute,my dear,”says her father.“You couldnt wait to get a phone,and so your brother helped you out.You agreed to his terms,which seem pretty reasonable to me.You did get your phone,didnt you?”“Well,yeah,but hes charging me more than we agreed to.Hes breaking our deal.”6When Thad saves enough mo
19、ney,he uses some of it to buy shares of stock.Owning a share of stock is like owning a piece of a company.So far,Thad owns 25 shares of stock in Disney and 28 shares of stock in Nintendo.Since Thad loves going to Disney movies,watching Disney Channel,and playing electronic games,as do most of his fr
20、iends,he thought Disney and Nintendo would be good investments.After doing some Internet research on stocks and talking to his parents,he concluded that these companies were good choices.15As each week goes by,Tanya falls further and further behind in her payments,and her debt gets bigger and bigger
21、.By the fifteenth week,she is giving Thad over half her weekly earnings and is at risk of not paying her cell phones monthly bill.Finally,in desperation,she goes to their father and explains her problem.Tanyas Money Problem Level U7Thad likes to buy stock because his money grows as each share of sto
22、ck increases in value.Over time,he expects to see the value of each share go up 20 percent or 30 percent.When Disney and Nintendo earn more money than they spend,the companies sometimes pay dividends to the people who own their stocks.Thad has earned yearly dividends for each share of stock he owns.
23、He always reinvests his dividends into each companys stock and uses the money to buy more shares.If you asked Thad,he would tell you that he plans to be a millionaire by the time he is 25.Tanyas Money Problem Level U14Tanya reluctantly agrees to Thads terms and payment plan.Several weeks go by.Each
24、week,Tanya struggles to pay Thad the$11 she owes him.Then on the tenth week,something horrible happens.On the day her payment is due,she has spent most of the$35 she earned that week and doesnt have$11 to pay Thad.Her monthly phone bill is beginning to put too much stress on her budget.She only has$
25、8 left to pay Thad.When she tells Thad she cant pay him the full$11,he isnt very happy.“I knew loaning money to you,especially with your wild spending habits,would be a risk.I should have charged you more interest because youre such a high risk.Just give me the$8 you have,but next week youll owe me$
26、15.”“Fifteen dollars!”she cries.“If I give you the$3 I didnt have this week plus the$11 for next week,it adds up to only$14.”“The$1 extra is the late fee you owe me for not making a full payment this week,”explains Thad.“Thats how business works.”8Now Tanya is another story.Where Thad is a saver,Tan
27、ya is a spender.Money burns a hole in her pocket.She spends almost all her money each week and never saves a nickel.Tanyas spending problem is made worse by the fact that she really wants her own smartphone.She thinks she earns enough money to pay a monthly phone bill for calls and texting.She knows
28、 she might have to cut back her spending on clothes and music.She may even have to earn more money by walking dogs for other neighbors,but she thinks she can afford it.However,Tanya cant seem to save the$200 it takes to buy the phone.13“You know I cant wait twenty weeks for a phone!Darlene and Emma
29、just got phones,and if I dont get one,I wont be able to text and call my best friends,”shouts Tanya.“Well,then,my impatient,money-grubbing sis,whats it going to be?Do you want the$200 loan with my interest terms or not?”Tanyas Money Problem Level U9Since Tanya is impatient,she can never wait until s
30、he has enough money to buy something that costs more than the$35 she earns each week.She has to think of another way to get the$200 to buy a smartphone.One day,it suddenly occurs to her that Thad seems to always have extra money.She decides to ask him to loan her the$200.She takes the afternoon to w
31、ork up the nerve to ask Thad for a loan.“Thad,my dear,sweet,precious brother,I have a favor to ask you,”she says with her sweetest voice and most admiring look.Tanyas Money Problem Level U12“Ouch,”says Tanya.“That could hurt.So how much interest would you charge me for a$200 loan?”“Because youre my
32、sister,heres what Im willing to do for you.Ill loan you the$200 you need to buy the phone you want,but first Ill set up a payment plan.My plan,which youll need to agree to and sign,will give you twenty weeks to pay me back.Each weeks loan payment will be$11.After twenty weeks,you will have paid me$2
33、20.The$20 extra is the interest youll have to pay me to get the phone you want right away.Of course,you could,on your own,just save$10 a week.In twenty weeks,youd have enough to buy the phone without a loan.”$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest Weekly loan inst
34、allment:$11 Weekly interest:$1 Total interest:$20$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interest$10+$1 interestGet phonePh
35、one paid for!While Thad is fond of his sister,like most brothers he kind of likes messing with Tanyas head.Without even asking what she wants,Thad replies with a quick and forceful,“Dont waste your breath.Im not in the mood to do any favors for you.”“But you havent even asked what the favor is,”she
36、protests.“You arent being fair,and you certainly arent being very nice.”“Aw,chill out,Im just giving you a hard time.So go ahead and tell me.Whats this favor you want?”“You know how much I want my own cell phone,right?Well,I cant wait until I save the$200 to buy the smartphone I want.You always seem
37、 to have plenty of money,so I thought maybe you could loan me the$200.Ill pay you backI promise.”1011“Hold on just a minute,sis.Loans dont come for free.You may think you could just pay me back the$200 by giving me a few dollars each week,but that wont work.Youll also have to pay me interest.”“Inter
38、estwhats that?”asks Tanya.“Interest is what banks charge people who borrow money to buy something big,like a house or a car.Each month,people who take out a bank loan have to pay back some of the money they borrowed.When they make a payment on the loan,the bank adds interest to the payment.This is a way for a bank,as a business,to make money.People who take out a loan end up paying the bank more than the amount they borrowed.”Tanyas Money Problem Level U